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Carroll County, Georgia · 2025

Mortgage lenders in Carroll County, GA: denial rates and top lenders (2025)

299 lenders acted on 5,359 mortgage applications for properties in Carroll County in 2025. 18.1% were denied (Georgia: 19.2%). Median rate on closed loans 6.50%; median loan $225,000; median property value $315,000.

5.4kApplications
18.1%Denial ratestate 19.2%
6.50%Median ratestate 6.63%
$225,000Median loan
$315,000Median property value

Largest lenders in Carroll County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 372261 19.1%6.75%
2 United Shore Financial Services B 231173 10.8%6.37%
3 Vanderbilt Mortgage and Finance F 21647 32.4%7.63%
4 Truist Bank C 15782 33.8%6.86%
5 Pennymac Loan Services C 14468 9.0%6.31%
6 Canopy Mortgage B 144104 0.0%6.25%
7 Guild Mortgage A 13696 5.9%6.38%
8 United Community Bank B 12579 24.8%6.50%
9 Bank OZK C 11967 31.9%5.99%
10 Regions Bank C 11543 47.0%5.88%
11 Freedom Mortgage B 11243 13.4%6.25%
12 Magnolia Bank C 10992 4.6%6.38%
13 Mortgage Research Center C 10746 25.2%6.50%
14 Broker Solutions D 10239 7.8%6.49%
15 Newrez D 9727 28.9%6.63%
16 Navy Federal Credit Union D 9434 25.5%7.75%
17 Crosscountry Mortgage B 8953 2.3%6.58%
18 Loandepot.Com D 8969 16.9%6.38%
19 Trailblazer Mortgage B 8643 4.7%3.99%
20 Movement Mortgage A 8658 3.5%6.25%
21 Synovus Bank D 8252 29.3%8.00%
22 Bank of America F 7024 40.0%6.38%
23 Figure Lending C 6737 16.4%8.85%
24 AmeriSave Mortgage D 6015 61.7%8.25%
25 Banksouth Mortgage Company A 5344 5.7%6.13%

Best approval odds in Carroll County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Canopy Mortgage1040.0%
2Crosscountry Mortgage563.6%
3Movement Mortgage764.0%
4Magnolia Bank975.2%
5Guild Mortgage1147.0%
6United Shore Financial Services20012.5%
7Pennymac Loan Services8615.1%
8Figure Lending6417.2%
9Loandepot.Com8417.9%
10Rocket Mortgage34820.4%

What Carroll County borrowers applied for

By loan purpose

Home purchase 2,586 48% · 10.3% denied
Refinance 722 13% · 17.7% denied
Cash-out refinance 1,019 19% · 23.7% denied
Home improvement 465 9% · 33.1% denied
Other / HELOC 567 11% · 31.6% denied

By loan type

Conventional 3,208 60% · 20.5% denied
FHA 1,470 27% · 15.3% denied
VA 589 11% · 13.6% denied
USDA / RHS 92 2% · 8.7% denied

Why applications were denied

Credit history 289 30%
Debt-to-income ratio 262 27%
Incomplete application 148 15%
Collateral 122 13%
Other 60 6%
Unverifiable information 56 6%
Insufficient cash 19 2%
Employment history 11 1%

Carroll County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,5672,43621.8%6.88%$195,000
20244,8462,70420.3%6.75%$215,000
20255,3593,01718.1%6.50%$225,000

Frequently asked questions

18.1% of applications in Carroll County were denied in 2025, against 19.2% statewide in Georgia.

Rocket Mortgage, with 372 applications in 2025 and a denial rate of 19.1%.

The median mortgage application in Carroll County in 2025 was for $225,000; the median property value on originated loans was $315,000.